No. Financing for an ENERGY STAR certified home does not have to be through an energy efficient mortgage (EEM), but it can be beneficial. An ENERGY STAR certified home may have a higher initial cost compared to a comparable home without the energy-efficient features. However, you’ll pay less in utility bills each month, usually more than enough to offset any increase in your mortgage payment. Some lenders offer special mortgages called energy efficient mortgages or EEMs for buyers of energy efficient homes. For more information about EEMs go to https://www.energystar.gov/newhomes/mortgage_lending_programs/energy_efficient_mortgages.